 How does bank make profit on credit cards? |
| Lot of banks are issuing free credit cards. How do these banks make profit by giving free credit cards. If we purchase something in credit card, the bank has to pay the money to the vendors and we ... |
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 I have a bill for $379 and a credit collection agency is sending letters. What will they do If I cant pay it? |
| I am struggling just to make rent and I have two jobs, this is a bill from an auto insurance company, I don't know what they will do. Any ideas of what can happen to me?... |
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 Has anyone used a legit credit repair company? |
I have tried to dispute items on my credit report and haven’t had much luck.
I have late payments, bad debts, and I have no good credit. Please give me links so I can research the ... |
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 How long do negative occurences stay on your credit report? |
| I mismanaged my finances back in 2001 and 2002. Now I'm fine. But I applied to a job that did a check on my credit report and they said there were some "negative things" on it so I ... |
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 What is the best way to stop credit card collections from calling?? |
| Although I do have some late fees, my credit card company continues to call more than 5 or 6 times in a day. This is ridiculous. Is there any way that I can have them stop this practice that will ... |
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 When a collection agency calls and ask you to pay the entire amount owed on a debt. Can I make payments? |
| My husband is on dissability and I can only make small payments. The lady who called was very nasty and very mean. Made fun of our income. so I told her I would send twenty dollars a month. Not ... |
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 Why is it that when you use a credit card sometimes you have to sign and sometimes you don't? |
| The gas station never requires a signature. The grocery store or retail store usually does. Even if the amounts are the same. Who determines when you need to sign, and when you don't?... |
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 I can't pay some of my credit cards anymore starting next month, what can they do to me? |
| I have depleted my savings that has supplimented my meager 600 a month take home pay. I have payed my cards for years with no problems but my life turned around completely a year ago and I have been ... |
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 When a creditor takes money from a bank account when the debt is already paid, how do you get that back? |
My husband had an outstanding credit card debt, that a creditor filed against our tax returns for, for the last several years.
A few months ago, a different collector bought the debt, and ... |
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 Does anyone know of any companies in uk that give mobiloe phone contracts to people with bad credit?? |
Additional Details
Ummm why do people assume things? I need this for a purpose not to show off with my mates!... |
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 About credit card debt. I have 5 major credit cards. I only owe 50.00 on one but much more on others.? |
| I know I should pay off the high interest rated ones first but since I only owe 50.00 on one that has a medium interest rate shouldn't I pay that off and close it leaving my card total down to 4?... |
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 Are debt settlement companies a scam? |
| I was thinking of signing up with a debt settlement company but I have heard the debt settlement companies not what they seem. They promise to settle your credit card and unsecured debt for half or ... |
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 Am I getting a good auto loan rate? |
| I'm taking out an auto loan for $32,000. My credit union has offered me 5.5% for 72 months. Is that a good rate? I have looked at several other places and they all want a minimum of 6.9%. My ... |
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 What happens if I do not activate a new credit card? |
| I applied for a new credit card, and got approved. I changed my mind and don't want it. The card has arrived in the mail. If I fail to call the number on the card, does that mean the card will ... |
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 I've been having some trouble not going over drawn in my bank account I need some help!? |
| Ok so I have been trying REALLY hard to save some money and keep on track. But it seems that everytime it comes to pay day I'm over drawn and my check being deposited is going to cover the money ... |
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0379 | What is the best way to clean ones credit? |
My mom leagally cleaned her credit for 300 bucks and was then able to make large purchases such as a house and car with no down payment. all I want to do is finance a washer and dryer. my credit card credit is bad!!! but im out of college and Im making decent money but I have bad credit. |
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leah_ifft@sbcglobal.net
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You can't legally clean your credit. Don't ever pay someone to fix your credit. They can't do anything for you that you can't do for yourself.
Repairing your credit takes time and can often feel like an uphill battle. That's why people are so willing to pay someone else to "make it all go away'.
Here are some articles written by myself and other mortgage professionals based on what we've learned:
http://leahifft.com/why_is_my_credit_score_so_low.htm
http://leahifft.com/keeping_your_credit_report_clean.htm
http://leahifft.com/what_affects_my_credit_score.htm |
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sammmantha
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pay back ur bills? maybay? |
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echo
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Yes you can legally clean up your credit.
If you hire a company to do it for you, be extremely careful and thoroughly check that company out. Many of those types of companies could leave you in worse shape than you are now.
You can do it yourself and save the money that you would pay those companies.
I would suggest that you go to the site I've listed and do some reading. It is a "free" do it yourself credit repair site. |
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dog-mom
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First, ask you mom how she did it. i would reccomend calling those you owe and deal with your balances. a lot of times you can "settle" for less than you owe, just make sure you get a letter saying they will temove bad credit ratings from the credit services. third you could try a credit union , especially if you can make arrangements through your employers payroll dept to automaticalll deduct payments |
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Dachelle T
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consult a credit councelor they can really help |
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Kaia
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I know of no legal way to clean your credit. Your credit is based on your earnings, your outgo and your previous transactions. It takes time, and being fiscally responsible to clean up your credit. |
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Craig O
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You can too legally clean your credit. There are specific actions you can take that are well within your legal right. They are designed as protection for the consumer. Companies that clean your credit for a fee, simply do things for you, that you can do yourself, but they already have the systems set up, so they can simply do it faster. For example, they have templates already in use, so all they have to do slap your name in their computer and all of the letters, addresses, and such print out automatically.
They have also done research and keep track of what works, and what doesn't. You can build your own shed in the backyard too, but to hire someone who does it for a living can build it in half the time, for half the cost and it will look twice as good. Better to let her build your shed, while you spend your time and resources doing what you're best at. Same holds true for credit cleaning services.
However, there are alot of scam artists out there and one of the latest scams is credit repair. Make sure you check references, and do your normal homework that you would do before doing business with anyone. |
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mrfr33z32003
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THERE ARE SEVERAL THINGS THAT MAKE YOUR CREDIT SCORE. REVOLVING AND INSTALLMENT DEBT. NUMBER OF TRADE LINES. LENGTH OF TIME OF ACCOUNTS. AND THE NEGATIVES, LIKE COLLECTIONS, OR CHARGED OFF ITEMS. FIRST CONTACT ANY CREDITOR THAT HAS NOT TURNED YOU INTO COLLECTIONS. REACH A SETTLEMENT, ON ACCOUNT CHANCES ARE IF IT IS OVER 6 MONTHS THEY WILL TAKE ANYTHING IT HAS ALREADY BEEN WRITTEN OFF. GET A SECURED CREDIT CARD TO START MAKING POSITIVE MARKS ON THERE. THEN ADDRESS COLLECTIONS OR CHARGE OFF'S ITS KINDA TRICKEY WITH THEM BECAUSE THEY HURT YOU MORE WHEN YOU PAY THEM AND MAKE THE ACTIVITY DATE ON THEM MORE RECENT. JUST A FEW PLACES TO START. |
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DEB M
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There is a company out of South Dakota that you can find at Newwestcc.com. They specialize in removing derogatory items from your credit report. They are inexpensive and really do get results. Some things cannot be removed until the 7 or 10 year time limit has expired. Things like Bankruptcies and civil judgements. Go on line and you can read all about their services and what they have to offer, Sometimes it takes less than 30 days to have many of the items removed. I have referred many people over the years and have only heard good feedback. |
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jahiem j
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negotiate and pay old debts and pay current bills on time. Your credit will improve and you don't have to worry about a collection agency calling you 2 years down the road asking for there money. |
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Son of Brunhilde
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With bleach |
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